Thursday, May. 23, 13 | 09:10 PM

Welcome to Insular's
Magandang Araw Loyalty Program

Your valuable support and continuous patronage have made it possible for us to provide you with value-added services and offers deserving of your being extra special members of the Insular Life family.

Under the Program's Prestige Level, Insular Life provides qualified policyholders with exclusive value-added services and benefits. Members are called ESPs.

 

How does a policyholder earn ESP status?
What are the benefits under the ESP Program?
How can I maintain my ESP status?
How can I claim my free medical and breakfast benefits?

          * Accredited Medical Facilities / Breakfast Venues

 How can I earn points under the Prestige Rewards?
How can I redeem my points?
How does the "Magandang Araw Prestige Card" work?
The Magandang Araw, Insular Service

 

How does a policyholder earn ESP status?
To qualify as ESP, your annualized premiums should be at least P100, 000 for single or multiple policies. Insular Life consolidates the policies of those with multiple policies to gain ESP status.
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What are the benefits under the Prestige level?
As an ESP, the insured enjoys the following exclusive benefits:
  • Free annual medical exam at accredited medical facilities
  • Complimentary breakfast on your birthday at accredited breakfast venues.
  • Birthday and Christmas Cards from our Chairman and CEO, Mr. Vicente R. Ayllón.
  • Free Magandang Araw Prestige Card with wider selection of merchant partners nationwide offering exclusive discounts and freebies.
  • Privilege to participate in the Prestige Rewards so you can earn points by simply paying renewal premiums in advance.
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How can I maintain my ESP status?
Since membership to the program has an end-date or expiry date, duration of membership depends on
  1. the qualification to the premium requirement during time of policy issue date
  2. status of policy, and
  3. paying period of the qualifying policy/ies
For example, you are an ESP and you have a 5-pay policy, you will enjoy a 5-year ESP status as long as:
  • your policy is active-premium paying and
  • its annualized premiums meet the premium requirement of the program during the 5-year period.
  • ESPs qualifying through multiple policies should ensure that all policies maintain active-premium paying status and meet the premium requirement in order to continue enjoying the program benefits.
  • Once your policy is fully paid, your membership to the program expires. However, you can still re-qualify as ESP by purchasing a new policy with at least P100,000 annualized premium. Contact your servicing agent who can provide you FREE Financial Consultation Services and who can discuss with you our new products.
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How can I claim my free medical and breakfast benefits?
The free medical and breakfast stubs are mailed to the insured, together with the birthday card, on his birth month. These benefits are given once a year for the duration of program membership, regardless of the number of qualified single policies issued under your name.
  • If you are a new member, the free medical exam and breakfast benefits will be given only after your policy has been in force for a full year, with the exception of those whose payment mode is annual or one-time (single-pay policies).
  • The free medical exam and breakfast benefits have expiry dates as indicated on the medical/breakfast stub. Validity periods are strictly observed.
* Accredited Medical Facilities / Breakfast Venues

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How can I earn points under the Prestige Rewards Program?
Now, insuring your future and that of your loved ones has been made more rewarding by Insular Life.
  • If you pay your renewal premiums in advance (1 to 30 days before the premium due date), you will earn reward points*.
  • Reward points are earned based on the modal premiums paid and no. of days before the premium due date. All points are rounded off. For example:
    • For payments made 16-30 days in advance: (P100,000) (0.30%) = 300 reward points
    • For payments made 1-15 days in advance: (P100,000) (0.15%) = 150 reward points
    *Only renewal premiums paid within 30 days before due date are entitled to reward points. Other payment transactions do not entitle the ESP to earn rewards points, as follows:
    • Initial premiums/initial deposit
    • Balance payments (or payments made to cover balance due to change of mode)
    • Reinstatement fees
    • Payment of policy loans/interests
    • Non-premium payments
    • Excess premium payments
    • Premium Deposit Funds
  • ? Payments made more than 30 days before the due date are not included / considered = credited with points.
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How can I redeem my points?
Redeeming points under the I Love Rewards Program is simple and easy.
  1. Call (02) 582-1818 local 5135, Mondays to Fridays, from 8am to 4pm to know your reward points.
  2. Log on to www.insularlife.com.ph to view the rewards line-up and the redemption steps.
  3. Ensure that your reward points cover the required points of the item of your choice. Only the gift certificates featured in the Catalogue are currently available for redemption.
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How does the "Magandang Araw Prestige Card" work?
Your ESP Prestige Card is the key to exclusive perks and privileges!
  • As an ESP, you will receive your own ESP Prestige Card.
  • Present your card to merchant partners to receive discounts and other special offers.
  • Merchant offers vary so we recommend you to log on to www.insularlife.com.ph to check latest offers.
  • To inquire on Prestige Rewards and the Magandang Araw Prestige Card, call (02) 582-1818 local 5135.
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The Magandang Araw, Insular Service

Magandang Araw Insular is a declaration of our commitment to create a uniquely Insular Life experience, one that is reinforced in every customer touch point to make sure you have a pleasant experience doing business with us. To enable us to deliver this promise, we encourage you to:
  • Enroll at the Customer Portal to view your policy details 24/7, anywhere in the world via your own web portal. To access, simple register at any of our designated offices.
  • Enroll at Magandang Araw Insular by calling (02) 876-1-800 for information about your insurance policy and service facilities.
  • Log on to www.insularlife.com.ph to download the Customer Information Update form to help us consolidate your policies into one Customer Identification Number (CIN). Use this CIN every time you transact business with us.
  • Email us at services@insular.com.ph for feedback comments/inquiries and other requests.
Our branch offices nationwide are open to serve you Mondays-Fridays from 8am to 5pm and Saturdays from 8am to 12nn. Tuloy po kayo sa isang Magandang Araw!

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Insular Life reserves the right to review and modify the premium requirement for qualification to the Magandang Araw Loyalty Program. Further, the Company reserves the right to change, modify, supplement, expand or delete any portion of these guidelines in any manner it may deem fit in the interest of fairness or in order to meet new and/or unforeseen circumstances.